Chrome has support for secure DNS. Iām not sure if it defaults to enabled. You can check the setting under Settings - Privacy and security - Security
So, I do not use Chrome (I use Brave); but I installed it on a PC, just for this, and tried speedtest.net. Secure DNS was enabled by default. I tried speedtest.net (Secure DNS was enabled by default):
No ads.
I even let the PC get the DNS server from Pi-hole instead of setting it manually in its network settings. No ads.
So I used my iPhone as a hotspot and, ads.
Are you using a Chromebook? Are you using a router behind your modem?